Complaints

This profile includes complaints for Ability Recovery Services LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Ability Recovery Services LLC

  284 Main St DuPont, PA 18641-1960

• 

  Ability Recovery Services LLC

  1 Montage Mountain Rd Moosic, PA 18507-1777

• 

  Ability Recovery Services LLC

  PO Box 4031 Wyoming, PA 18644-0031

• 

  Ability Recovery Services LLC

  PO Box 4262 Scranton, PA 18505-6262

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On March 24,2023 I got a notification from *********** that an unfamiliar company named ABILITY RECOVERY SERVICE added a collection/charge off to my credit which made my credit score sky rocket to the low 500s. I've never been contacted by this company and they never provided me an original statement for anything. NOT too long ago this same charge popped up on my credit but a company named ********** Owned it for $790 This is not my charge. This account isn't accurate at all, it says its from ******* PHYSCIANS but the information under the account is incorrect I haven't lived in Augusta  in 4 years. How can I have a new charge? PLEASE remove this from my credit report; its destroying my life and making it hard to do anything. I've never received original documentation for any services that they claimed I did..

  Business Response

  Date: 04/05/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client *********************** (a medical debt buyer) in the collection of their outstanding medical debt.  Attached please find a copy of the Itemized Bill.  Our client is offering a 50% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you.  (Note:  The Date of Service was 07/03/2019.

• Initial Complaint

  Date:04/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I SENT ABILITY RECOVERY SERVICES LLC A DEBT VALIDATION LETTER ON 1/1/23 AND RECIEVED NO RESPONSE. ABILITY RECOVERY SERVICES LLC. is Committing abusive, deceptive and unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C 894 - Collection of extensions of credit by extortionate means. They have taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false collections to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2(c)(1)(i), which has the same definition as 15 U.S.C 1691(d)(6), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S.C 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S.C 6801(a) of the ********************* ****** Financial Protection Act, has been violated. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. These misstatements are punishable as perjury under 18 U.S.C. 1621. This item found on my credit report isn't related to any transaction that I made. I am alleging that an unauthorized person or company used my personal identifying information to apply for goods, services, or money; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

  Business Response

  Date: 04/03/2023

  Consumer should be advised that this matter has been closed, returned to our client *********************** and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Thank you

• Initial Complaint

  Date:03/30/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ability state they received a medical debt as a 3rd party and reported on all 3 bureaus. They would not state when they received this account and when was their first initial contact to me. Reported on my reports 2/26/23. I received no docs, no records of phone calls, stated they have no documentation. Because of this filed a claim with the **** 3/28/23. Because lack of information I want removed from my credit reports immediately.

  Business Response

  Date: 04/10/2023

  Consumer should be advised that this matter has been closed, returned to our client, *********************** and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Than you

  Customer Answer

  Date: 04/11/2023

  [This account is being paid to original creditor and should not be going back to cascade per original phone call to your office. You removed from one credit bureau right away and need removed for other two as fast as you did. Your office does not read each others notes or don't take notes however please correct immediately ]
  
   Complaint: ********
  
  I am rejecting this response because:
  
  Regards,
  
  *********************************
  

  Business Response

  Date: 04/11/2023

  These matters have been closed and removed from all credit reporting bureaus on 4/10/2023.  Allow 30 days for all bureaus to update.  Thank you

• Initial Complaint

  Date:03/29/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently tried to complete the dispute process with Ability Recovery Services LLC. I only received ONE initial letter simply notifying me that they were now responsible for a supposed debt I owe. After receiving the letter I immediately sent a dispute letter to begin the dispute process. I hadn't received ANY form of communication and decided to call to check on the status of their response. I was met with an invective, hateful, unprofessional, and discriminatory collector that only cared to solicit information instead of answering my questions and concerns. She also nastily commented on my linguistic skills and implied that I couldn't speak properly. When I explained that she was legally overstepping and intentionally blocking the dispute process she said she didn't care and wasn't concerned that I never received a response from them. I now have unfairly been skipped over and refused a fair process of dispute. I also now have to deal with this being unlawfully reported to my Experian account and credit report.

  Business Response

  Date: 03/30/2023

  Consumer should be advised that this matter has already been and shall remain in a properly disputed status, along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client *********** in the collection of their outstanding student debt.  Attached please find a copy of the Enrollment Agreement for Consumer's review.  This course has a completion of 37.5%.  Consumer may contact our office and a representative would be happy to assit Consumer in resolving this matter.  Thank you

• Initial Complaint

  Date:03/26/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have never heard of this company or the debt involved before in my life. I found out about it because I got an alert on my credit score A 120 point drop for a $190 debt I didnt even know existed. This company has ruined my future. Were saving up to buy a house and my credit score is now ruined. If I had known about the debt I would have paid it Thats barely anything. The credit report agency said its going to be on there for 5-7 years even if I pay it. My life is ruined over barely any money at all. I dont know if theres a way for them to retract it.

  Business Response

  Date: 03/27/2023

  Consumer should be advised that this matter has been paid, closed and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update and remove.  Thank you

• Initial Complaint

  Date:03/23/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dec 2022 i noticed a collection on my credit report from this company stating that I owe a balance in the amount of $13,000 for unpaid medical collection. I have never heard of nor does Houston, Texas have a business with this name. I have never been a patient of this said business. I called this business to confirm all information stated in my credit report and was told I would get the verification letter which I still have yet to receive verifying the debt. I am outraged and this needs to be removed immediately. I am insured so this is a mistake on many levels. The reps have such attitudes and this needs to be resolved.

  Business Response

  Date: 03/27/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client *********************** (a medical debt buyer) in the collection of their outstanding medical debt (Physicians Groups not the facility).  Our client is offering a 40% discount discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

• Initial Complaint

  Date:03/22/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 1-5-2023, I sent a certified letter to Ability Recovery Services requesting the 1. Copy of the application for credit so that I can understand exactly what debt you are trying to collect. 2. Copy of the cardholder agreement (the contract) and any amendments that outlines what the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me. 3. Monthly statements from when I last had a zero balance up to the final statement so that I can become aware of all the charges, payments, and credits to compare with the cardholder agreement to see if the amount you are claiming is correct. 4. Prove your authority to collect this debt because I have never done business with you. If you claim to own any debt(s) you are stating I owe, provide me with the full purchase agreement so that I can see if you really own this debt. Sometime after that I received a print out of general information that does not include any of the information that I requested. I have a right to an accurate credit history and Ability Recovery Services has not provided the requested information to even minimally prove that they have the authority to collect any alleged debt from me. All information should have been researched, obtained, and or verified prior to their response to my important letter. I am requesting that Ability Recovery Services contact any and all bureaus that they have sent derogatory information to about me and any alleged account for debt requesting that it be deleted from my credit history.

  Business Response

  Date: 03/23/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client *********************** in the collection of their outstanding student debt.  Attached please find Enrollment Agreement and Ledger whereby Consumer agreed to all of the terms and conditions of same.  Our client is offering a 20% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

• Initial Complaint

  Date:03/22/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This debt has been removed from my credit report and is too old to be reported on, it was purchased by Ability and they put 2 charges on my credit for $1850! I have never worked with them, they made no attempt to reach me and again the debt is too old to be reported. I have disputed it but this practice is disgusting. This is a medical bill which makes no sense as I had ******** at the time and still do! They have not provided any documentation as to this debt, it just showed up on my report.

  Business Response

  Date: 03/29/2023

  Consumer should be advised that these matters were placed in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt.  Attached please find the Itemized Bills for all four (4) matters.  The two for $1,805.00 are credit reporting.  Our client is offering a 55% discount with deletion for these matters.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 03/29/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:
  You need to recheck your dates. These have been removed and are past the timeframe legally allowed to be reported, you purchasing them doesn't make the clock restart. You are not going to be receiving money for bills that 1. Are past the date legally allowed to be reported on my credit report. 2. I have had ******** for 15 years, ******** who covers EVERYTHING, and there would be no bill to me but only to them. 3. I still have not been provided with any proof of this debt. Please provide them asap. I will be speaking to an attorney about this next week and would like to have all the documents at that time. 
  
  Regards,
  
  *******************************
  

  Business Response

  Date: 04/05/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Consumer should be advised that we do not own the debt.  Ability Recovery Services is a third party debt collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt.  Our client is still offering the 55% discount with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

• Initial Complaint

  Date:03/22/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

  Business Response

  Date: 04/06/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client *********************** in the collection of their outstanding student debt.  Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.  Our client is offering a 30% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

• Initial Complaint

  Date:03/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ability Recovery Service has added an old debt that was previously removed from my credit report back to it. The debt was never mine in the first place. My insurance (through the state) was supposed to cover it. It was removed from my credit report over a year ago and Ability Recovery Service reopened it as a new debt back in January and added it back to my credit report. This is illegal and I want it removed from my credit report! If it is not removed, I will be getting a lawyer and filing a lawsuit against them.

  Business Response

  Date: 03/29/2023

  Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt.  Please be advised that our client utilizes numerous collection agencies to collect their debts.  Attached please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 65% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 04/03/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:

  
  

  As you can clearly see in the attached documents, this debt is 5 years old. It was previously dropped from my credit report. My insurance company (at the time of the bill) was responsible for the debt, not me. I refuse to pay for a debt I was not responsible for. If it is not removed from my credit report, I will be forced to take legal action against the collection agency. 
  
  Regards,
  
  *********************
  

  Business Response

  Date: 04/04/2023

  Consumer should be advised that this has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client ******** **************** (a medial debt buyer).  As per our client, this matter was not paid by insurance and is still due and owing.  Our client is still offering 65% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 04/07/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: I refuse to pay for a debt that isn't mine.

  Regards,
  
  *********************

  Business Response

  Date: 04/07/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  If Consumer is stating that this matter is Identity Theft/Fraud, our client requires a Police Report which can be sent to us via facsimile ************.  Thank you